What is cashless car insurance?Cashless car insurance takes place, when your car gets repaired at our network garage. In such a scenario, you don’t have to pay for the repair costs. You only have to pay for necessary deductibles.

Can I get cashless bike insurance?Yes, you can opt for cashless facility for bike as well. Click here to know more.

Where Can I get cashless car insurance for Maruti?At any of our network garage, you can avail cashless car insurance for Maruti. Click here.

Which is the best cashless car insurance policy in India?Most of the car insurance policies offered by Indian companies, offer cashless facilities at the registered network garages. Click here for HDFCERGO Car Insurance.

Where can I get cashless car insurance for Hyundai?At any of our network garage, you can avail cashless car insurance for Hyundai. Click here.

To serve the primary reason of health insurance i.e. quality medical treatment at affordable rates, the concept of cashless hospitalization was conceived. Cashless hospitalization policies are designed to meet your medical necessities without compromising on quality treatment. It allows the insured to be hospitalized without paying for the medical treatment covered under your health policy. While looking for best cashless mediclaim policy for family in India, read the detailed list of coverage and procedures to avail the benefits.

Type of cashless medical service:

Emergency Hospitalization: When the hospitalization is immediate, without any intimation.

Planned Hospitalization: The insured has to intimate the hospital 2-3 days in advance before getting hospitalized

Under both the scenarios, you can avail cashless benefits at network linked hospitals.

Type of cashless health insurance plans

Opt for cashless hospitalization health insurance plan and avail the benefits without paying to the hospital. You can avail cashless health Insurance plans for:

Many health insurance companies tie-up with a wide range of hospitals across the country. These hospitals are called as network hospitals and has a TPA (Third party administrator), who on verification of bills will co-ordinate and settle the hospital bills directly, you do not have to pay for the medical expenses up to your Sum Insured. The process works a bit differently under different scenarios. Although cashless hospitalization is a blessing at the time of hospitalization, it’s imperative to understand how it actually works.

Under planned hospitalization

Step 1: Know your nearest and preferred network hospital; you can call up the customer support team for assistance.

Step 2: Visit the hospital with your policy card or cashless card and ask for pre authorization form. You can easily get it from the insurance desk at the hospital or download it from TPA website.

Step 3: Usually the patient has to fill up the first part and other part is filled by the medical practitioner.

Step 4: The completed form on submission will be scrutinized and sent to the TPA for issuance of authorization letter. If the TPA approves your request, he will mention the sanctioned amount for treatment and you shall get an approval for cashless hospitalization.

Under emergency hospitalization

If in case the patient needs immediate hospitalization, the above procedure should be completed within 24 Hrs. of hospitalization.

The process of cashless hospitalization is seamlessly designed and doesn’t consume your time as compared to the traditional medical claims, where one has to go through a strenuous process for getting the reimbursement.

Benefits of Cashless Hospitalization

Undergo quality medical treatment without spending from your pocket

Helps in emergency conditions by paying off hospital bills

Gives peace of mind and reduces financial burden

Simple and easy process

5 Things to keep in mind before applying for Cashless Hospitalization

Before submitting the original documents to the TPA keep photocopies with you

Cashless benefit is available only at a network hospital

In case your hospitalization expenses exceed the Sum Insured limit, then you have to pay for the excess amount

Exclusions of cashless health insurance

Although cashless hospitalization pays off your hospital bills up to the opted Sum Insured, there are several expenses which are not paid by the insurer such as:

Visitor fees

Toiletries

Service charge

Expenses for oxygen mask, diapers, nebulizers

Document charges

Reasons for claim denial in health insurance policy

You have just applied for cashless claim authorization and your claim form is rejected. Are you wondering on what grounds your claim is denied by the TPA? Let’s take a look at the possibilities that could lead to claim denial.

Your age is not eligible for treating that particular ailment as per your policy

You have exhausted your sum insured

Incomplete or wrong information submitted in the form

You are getting hospitalized for a pre-existing illness, which is not covered under your policy

You have proposed for claim under the waiting period for the specified medical treatment

Opting for a medical treatment which is not covered under your health insurance plan

Delay in intimating the TPA

Before applying for cashless benefit for hospitalization check your policy documents and understand the coverage as well as the exclusion of your health insurance plan.

What does cashless insurance mean?Cashless insurance is usually referred to cashless hospitalization which means that the insured does not have to pay for the hospitalization expenses.

How to request for cashless hospitalization for your medical insurance policy?Invest in a health insurance plan with cashless benefits

What does TPA mean?TPA (Third party administrator) is a mediator between the insurer and the insured. TPA settles the bills directly with the hospital.

How to know whether your insurance company has tie-up with the specific hospital?Always ask for a list of network linked hospital before getting hospitalized.

How cashless health insurance differs from reimbursement?Cashless hospitalization allows you to get hospitalized without making payment for medical expenses; however reimbursement settles your claim later on the basis of the payment made by you initially.

How to get cashless health insurance form?You can ask the insurance desk assistance at the hospital for the form or check the TPA website for the same.

Which is the best cashless health insurance company in India?Most of the players offer cashless health insurance services, on the basis of the benefits and coverage offered, you can buy a health insurance policy with cashless benefits from a trusted brand.

What is cashless hospitalization process?Step 1: Know your nearest and preferred network hospital; you can call up the customer support team for assistance.Step 2: Visit the hospital with your policy card or cashless card and ask for pre authorization form. You can easily get it from the insurance desk at the hospital or download it from TPA website.Step 3: Usually the patient has to fill up the first part and other part is filled by the medical practitioner.Step 4: The completed form on submission will be scrutinized and sent to the TPA for issuance of authorization letter. If the TPA approves your request, he will mention the sanctioned amount for treatment and you shall get an approval for cashless hospitalization.

How to use cashless mediclaim policy premium calculator?Click here to calculate your premium

Where can we get cashless mediclaim policy comparison table?Click here to find the comparison between cashless health insurance tables.